® discretion, to stop the payment. However, we assume no responsibility for our Customer Account Services, P.O. Box 245997, San Antonio, Texas § The system, ATM or POS terminal was not working properly and you Comerica Debit MasterCard Card Terms of Use failure or refusal to do so, even if we accept your stop payment request). If 78224-5997 with details. knew about the problem when you started the transaction; you call, we may require you to put your request in writing to us and to § The State has not authorized us to make the necessary funds available The State has made arrangements for a Card to be issued to you so that you can provide us with a copy of your notice to the payee, revoking the payee’s 9. Adjustments to Your Card Balance. There are occasions when adjustments through the Card; receive payments electronically. Comerica Bank (“we”, “us” and “Bank”) is authority to originate debits to your Card, within 14 days after you call. If we will be made to your card to reflect a merchant adjustment, resolve a § The funds available through the Card are subject to legal process or are providing you with these terms (“Terms”) and the enclosed Georgia UI Debit do not receive the written confirmation within 14 days, we may honor cardholder dispute regarding a transaction posted to your card, or to adjust otherwise not available for withdrawal; or MasterCard (“Card”) because you have agreed with the State of Georgia, subsequent debits to your Card. For individual payments, please specify the entries or deposits posted in error. These processing entries could cause your § The transaction cannot be completed because the Card is damaged. Department of Labor (the “State”) to accept payments that you are eligible to exact amount (dollars and cents) of the transfer you want to stop, the date of card to have a negative balance. If so, you agree to repay us the amount of receive by means of the Card. This agreement describes your rights and obligations the transfer, and the identity of the payee. Unless you tell us that all future any transaction(s) that exceed the authorized amount or causes your card 13. Limitation of Time to Sue. An action or proceeding by you to enforce an with respect to the Card. If you have questions, wish to discuss your options, or do transfers to a specific recipient are to be stopped, we may treat your stop balance to go negative, either from future deposits posted to your card or by obligation, duty or right arising under these Terms or by law with respect to not agree with these Terms, you must contact your Agency or local office payment order as a request concerning the one transfer only. If you order us to personal check or money order. Unless paid by personal check or money the Card or the Card service must be commenced within twelve (12) months processing your payments and do not activate the Card. You can destroy it by stop one of these payments at least three business days before the transfer is order, the amount to be repaid may be automatically deducted from future after the cause of action accrues, unless prohibited by applicable law. cutting it in half. scheduled and we do not do so, we will be liable for your losses or damages. payments to your card. If no future deposits are made to your card, you must satisfy a negative balance by making payment to: ACS Payment Processing 14. Waiver of Right to Jury Trial. If you have a problem with the Card or the YOU CANNOT USE THE ENCLOSED CARD TO PERFORM TRANSACTIONS 4. Card and PIN Security. You agree not to give or otherwise make the Card Service, and mail a check or money order to: Customer Account Services, Card service, please bring it to our attention immediately. In most cases, a UNTIL YOU HAVE SELECTED YOUR PERSONAL IDENTIFICATION or PIN available to others. For security reasons, you agree not to write your P.O. Box 245997, San Antonio, Texas 78224-5997. Remember, you always telephone call will quickly resolve the problem in a friendly, informal NUMBER (PIN), WHICH WILL ALSO ACTIVATE THE CARD. PIN on the Card or keep it in the same location as the Card. The Card is our have the right to dispute the amount posted. manner. If a dispute cannot be resolved informally, you or we may file an property and must be returned to us upon request. action. You and we each give up the right to a trial by a jury to resolve each By selecting your PIN and activating the Card in accordance with the instructions 10. In Case of Errors or Questions About Your Transactions. If you think an dispute, claim, demand, cause of action, and controversy between you and us accompanying this form, you will be agreeing to abide by these Terms. Your use of 5. Fees. You are allowed umlimited free ATM cash withdrawals but only if error has occurred in connection with your Card, call us at arising out of, or relating to the Card or this service. This includes, without the Card will further attest to your agreement to abide by these Terms. conducted at “in-network” (i.e., MoneyPass) ATMs. A fee of $0.95 will be 1-888-929-2460 or write us at the address described above as soon as you can. limitation, claims brought by you as a class representative on behalf of assessed for each ATM cash withdrawal conducted at an ATM that is not in- We must hear from you no later than 60 days after you learn of the error. You others, and claims by a class representative on your behalf as a class member 1. Payments to You. A Card account has been established with us to fund network and for each ATM withdrawal conducted outside of the United will need to tell us: (so called “class action” suits). payments to you. We will make funds available to you in the amounts States. An additional fee equal to 3% of the amount of the transaction will designated by the State, and you will be able to access those funds with the be charged for each international ATM withdrawal. (1.) Your name, address, telephone number and Card number. 15. Privacy. We may obtain nonpublic personal information about you (e.g., Card. Funds that the State has provided to us to be applied to your Card may (2.) Why you believe there is an error, and the dollar amount involved. your name, address, telephone number, social security number, and date of be returned to the State if: (a) you fail to activate your Card by selecting your You are allowed unlimited ATM balance inquiries each month at in-network (3.) Approximately when the error took place. birth) from the State in order to verify your identity. We do not release PIN within 90 days from the date the Card was issued; (b) we do not have MoneyPass ATMs. There is not charge for ATM denials for insufficient personal nonpublic financial information obtained in connection with this your correct address and are unable to deliver your Card by regular mail; or funds. A denial occurs when there are not sufficient funds available to cover If the error cannot be resolved over the phone, we will mail you a Request for Card program about current or former Cardholders to anyone, except: to (c) funds are deposited to your Card in error. your cash withdrawal request. Investigation form to complete and return. You must return the form within process a transaction at your request; to the State or its agent in connection 10 business days to Customer Account Services, P.O. Box 245997, San with the account that funds Card payments; where it is necessary or helpful 2. Personal Identification Number (PIN). The Card cannot be used at If you conduct a transaction at an ATM other than MoneyPass the owner of Antonio, Texas 78224-5997. in effecting, administering, or enforcing a transaction; to comply with a law, automated teller machines (“ATMs”) and some point-of-sale (“POS”) the ATM may impose an additional fee called a “surcharge.” Read the regulation, legal process or court order; to local, state and federal authorities terminals without the PIN. You may be asked to sign a sales slip or provide screen message carefully for information related to surcharges before you We will determine whether an error occurred within 10 business days after we if we believe a crime may have been committed involving a Card; or as identification, rather than enter your PIN, for certain POS transactions. At press “Enter.” You will have the option to cancel the transaction and go to hear from you and will correct any error promptly. If we need more time, otherwise permitted by law. We restrict access to nonpublic personal some merchants, such as gas stations, you may not be required to sign your another ATM. however, we may take up to 45 days to investigate your complaint or question. information about you to those employees who need to know that name or enter your PIN. If we decide to do this, we will credit your Card within 10 business days (20 information to provide products and services to you. We maintain physical, After receipt of your initial Card, you may receive one free Card replacement business days for new card accounts after the first deposit is made to the Card) electronic and procedural safeguards that comply with federal regulations to 3. Card Transactions. You can use the Card to obtain cash at ATMs and each 12-month period. A $4.50 fee will be charged for each additional Card for the amount you think is in error, so that you will have use of the money guard your nonpublic personal information. financial institutions, and to make purchases at POS terminals and replacement; plus an additional $14.50 if you request that the replacement during the time it takes us to complete our investigation. If we ask you to put merchants, that participate in the MasterCard® network. When you use the Card be sent express two day delivery (business days only) rather than by your complaint or question in writing and we do not receive it within 10 16. Cardholder Identity. To help the government fight the funding of terrorism Card to initiate a transaction at certain merchants, such as hotels, a hold may regular mail. business days, we may not credit your Card. For errors involving new Cards, and money laundering activities, Federal law requires that identifying be placed on your available Card funds for an amount equal to or in excess of point-of-sale, or foreign-initiated transactions, we may take up to 90 days to information be obtained for each person who obtains a Card. your ultimate transaction. The held funds will not be available to you for any Additional services: There is no fee to sign up for deposit notification, low investigate your complaint or question. other purpose. Any excess will be released for your use when the transaction balance alert and/or instant mobile alert via email, phone or text message. If 17. Business Days. Banking business days are Monday through Friday, is finally settled. you sign up for instant mobile alerts, you are allowed one free mobile text alert We will tell you the results within three business days after completing our excluding holidays. with each deposit each month; after the one free mobile alert is sent, your Card investigation. If we decide that there was no error, we will send you a written Cash refunds will not be made to you for POS purchases. If a merchant gives account will be charge $0.10 for each additional alert. If you use online bill explanation. You may ask for copies of the documents that we used in our 18. Assignment. You may not assign your rights or obligations in connection you a credit for merchandise returns or adjustments, it may do so by pay using the website www.goprogram.com, your Card account is assessed a investigation. with these Terms, the funds available to you through the Card, or the Card processing a credit adjustment, which we will apply as a credit to your Card. fee of $0.50 for each transaction. If you wish to transfer funds from your debit itself to others. We may assign our rights and obligations under these Terms card to a consumer bank account in the USA, a fee of $1.50 will be assessed. If you need more information about our error-resolution procedures, call us to others without prior notice to you or your consent. We may refuse to authorize a Card transaction if: (a) it would exceed the toll-free at 1-888-929-2460. amount that the State has advised us to make available for your use; (b) the Card account inactive fee: Card inactivity fee; after 12 consecutive months of 19. Severability/Waiver. If any provision of these Terms is deemed unlawful, Card is reported lost or stolen; (c) we believe the Card is counterfeit; or (d) inactivity, we will assess a $1.75 fee per month, beginning in the 13th month of 11. Your Liability. Tell us AT ONCE if you believe your Card or PIN has been void, or unenforceable, it will be deemed severed from these Terms and shall we are uncertain whether the transaction is authorized by you or permitted by each consecutive month of inactivity, thereafter. Inactivity is defined as no lost or stolen. Telephoning is the best way of keeping your possible losses not affect the validity and enforceability of the remaining provisions. We law. We may temporarily “freeze” the Card and attempt to contact you if we deposits, cash withdrawals, balance inquiries or purchases for 12 consecutive down. You could lose all the money associated with your Card. If you tell us may delay enforcing our rights under these Terms without losing them. Any note transactions that are unusual or appear suspicious. months. within two business days, you can lose no more than $50 if someone used your waiver by us will not be deemed a waiver of other rights or of the same right Card or PIN without your permission. If you do NOT tell us within two at another time. You may not use the Card to perform transactions that exceed the amount of You can make unlimited free calls to Customer Service Interactive Voice business days after you learn of the loss or theft of your Card or PIN, and we funds made available to you through this program by the State. There may be Response (IVR) or live operator for Card account services and other card can prove that we could have stopped someone from using your Card or PIN 20. Governing Law. These Terms will be governed by and construed in occasions when deposits are posted to your card in error, or funds added that related services..There is no is cost to access your Card account balance via without your permission if you had told us, you could lose as much as $500. accordance with the laws of the State of Michigan, without reference to its do not belong to you. You are not authorized to spend these funds because the web or to request a printed monthly statement be mailed to you. conflict of law principles. the State has not authorized us to make these funds available through the [Note: You will not be liable for the $50 or $500 amounts stated above for Card. In such events, this error will be corrected once discovered and funds 6. Foreign Currency Transactions. If you obtain cash or perform an ATM or transactions where your PIN is not used to verify your identity if you have not 21. Legal Process. We may comply with any subpoena, levy or other legal will be adjusted in your card. Should the adjustment result in your card POS transaction in a currency other than U.S. dollars, the merchant or reported two or more incidents of unauthorized use in the immediately process which we believe (correctly or otherwise) to be valid. We may notify becoming negative, a notice letter will be sent to you explaining the error and MasterCard® International will convert the amount of the transaction into U.S. preceding 12 months, your Card is in good standing, and you have exercised you of such process by telephone, electronically or in writing. If we are not the reason for the adjustment. If you have spent the funds before the error is dollars to be charged to your Card. Under the currency conversion procedure reasonable care in safeguarding your Card from risk of loss or theft.] fully reimbursed for our record research, photocopying and handling costs by identified, the amount to be repaid may be automatically deducted from that MasterCard® International uses, the non-U.S. dollar transaction amount is the party that served the process, we may charge such costs to your available future payments to your card as described in Section 9 of this document. multiplied by a currency conversion rate to determine its equivalent in U.S. Also, if the written transaction history or other Card transaction information Card funds, in addition to our legal process fee of $50. We may honor legal Your Card must not be used for any unlawful purpose (for example, to dollars. The currency conversion rate that MasterCard® International typically provided to you shows transfers that you did not make, tell us at once. If you process that is served personally, by mail, or by facsimile transmission at any facilitate Internet gambling). You agree not to use your Card or funds for any uses is either a government-mandated rate, or a rate selected from a range of do not tell us within 60 days after the transmittal of such information, you may of our offices (including locations other than where the funds, records or transaction that is illegal. We reserve the right to deny transactions or rates available in the wholesale currency markets (NOTE: this rate may be not get back any money you lost after the 60 days if we can prove that we property sought is held), even if the law requires personal delivery at a authorizations from merchants apparently engaging in the Internet gambling different from the rate MasterCard® International itself receives). The could have stopped someone from taking the money if you had told us in time. different location. business or identifying themselves through transaction records or otherwise as conversion rate may be different from the rate in effect on the date of your If a good reason (such as a long trip or a hospital stay) kept you from notifying engaged in such business. You also may experience difficulties using the transaction and the date it is posted to your Card. us, we will extend the time periods. 22. Change in Terms. We may add to, delete or change these Terms at any time Card at: unattended vending machines and kiosks; gas station pumps (you by providing you with prior notice. may go inside to pay). 7. Record of Your Available Funds and Transactions. You can get a receipt We will cancel your Card if it is reported to us as lost, stolen or destroyed. at the time you perform a transaction at an ATM or POS terminal. You may Once your Card is canceled, you will have no liability for further transactions 23. Termination. We may suspend or terminate your use of the Card with or Preauthorized Payments. You may use your Card to make regular, obtain information about the amount of funds available through the Card and preauthorized payments to merchants by giving your Card information to a involving the use of the canceled Card. without cause at any time by providing you with prior notice. We may merchant. If these payments may vary in amount, the person you are going to your last 10 transactions by calling the Customer Service Center toll free at terminate or suspend your use of our Card and this service immediately if: pay will tell you, 10 days before each payment, when it will be made and how 1-888-929-2460 or by visiting www.goprogram.com. From the web site you 12. Our Liability. If we do not complete an electronic fund transfer to or from you breach these Terms or any other agreement with us; we are notified to do can select and print monthly statements for tracking the transactions posted the Card on time or in the correct amount according to these Terms, we may so by the State or its agent; we have reason to believe that there has been or much it will be. You may choose instead to get this notice only when the to your Card. The amount of your available funds is also available on the be liable for your losses or damages. There are some exceptions, however. may be an unauthorized use of your available Card funds, Card or PIN; or payment would differ by more than a certain amount from the previous receipt you get when you make a withdrawal or balance inquiry at certain We will not be liable, for instance, if: there are conflicting claims to your available Card funds. You may terminate payment, or when the amount would fall outside certain limits that you set. ATMs. You also have the right to receive a written summary of transactions your use of the Card and these Terms without cause at any time by providing You have the right to cancel a pre-authorized payment from your Card if you for the 60 days preceding your request by calling us at 1-888-929-2460. § Through no fault of ours, you do not have enough available funds on the us with prior written notice. You also should notify the State of the call us at 1-888-929-2460 or write to us at Customer Account Services, P.O. Card to perform the transaction; termination and make other arrangements for future payments. 8. Lost or Stolen Card/Pin. If you believe the Card or PIN has been lost or § Circumstances beyond our control (such as fire, flood, water damage, Box 245997, San Antonio, Texas 78224-5997. We must receive your request stolen or that someone has transferred or may transfer money from your Card power failure, strike, labor dispute, computer breakdown, telephone line 24. FDIC Insured. The funds associated with the Card are insured by the at least three business days before the payment is scheduled to be made. You without your permission, call us at 1-888-929-2460, or write to us at also must notify the payee. (Note: If we do not receive your request at least disruption, or a natural disaster) prevent or delay the transfer, despite Federal Deposit Insurance Corporation to the extent provided by law. three business days before the scheduled payment, we may attempt, at our sole reasonable precautions taken by us ACIDGI01